Credit Rating im Mittelstand by Miriam Brockhaus
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Credit Rating im Mittelstand

Credit Rating im Mittelstand


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About the Book

Inhaltsangabe: Einleitung: Der Entwurf der neuen Baseler Eigenkapital (EK)-Vereinbarung (Basel II oder Der neue Baseler Akkord) des Baseler Ausschusses für Bankenaufsicht ist der Ausgangspunkt der aktuellen Diskussion um Ratings und deren Auswirkungen auf das Kreditgewerbe und die Unternehmen. In Zeiten zunehmender Liberalisierung und Globalisierung der Märkte sowie des technischen Fortschritts hat sich an den Finanzmärkten in den letzten Jahren ein Prozess tiefgreifender Veränderungen vollzogen, der sich auch auf die traditionellen Bankgeschäfte auswirkt. Angesichts der angestiegenen Insolvenzentwicklung sowie der erhöhten Ausfallrisiken von Kreditengagements, werden heute vermehrt Anstrengungen unternommen, um die Stabilität der Finanzmärkte besser abzusichern. Dabei steigen die Anforderungen an das Kredit- und Risikomanagement von Banken und Unternehmen gleichermaßen. Mit der Weiterentwicklung des bankenaufsichtlichen Regelwerkes (Basel I), welches die Mindest-EK-Unterlegung bei Banken bestimmt, soll nun der zunehmenden Komplexität und dem steigenden Risikogehalt der Finanzgeschäfte Rechnung getragen werden. Aus diesem Grund hat der Baseler Ausschuss den Entwurf des neuen Baseler Akkords (Basel II) vorgelegt. Im Mittelpunkt der laufenden Diskussion um Basel II steht die Frage der adäquaten EK-Unterlegung der zunehmend erhöhten Risiken im Finanzgeschäft. Zukünftig soll sich die Höhe des erforderlichen EKs, welches Banken für die von ihnen gewährten Kredite unterlegen müssen, um den Verpflichtungen ihrer eigenen Gläubiger nachkommen zu können, stärker an den individuellen Risiken der vergebenen Kredite der einzelnen Bank orientieren. Somit lässt Basel II Ratings, die zukünftig die unterschiedliche Bonität aller Kreditnehmer bestimmen sollen, zum Dreh- und Angelpunkt bei der Kreditvergabe werden. Mit Hilfe von Ratings, die bis jetzt hauptsächlich bei internationalen Finanz- und Großkonzernen Anwendung fanden, soll nunmehr auch bei kleinen und mittleren Unternehmen


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Product Details
  • ISBN-13: 9783838649672
  • Publisher: Diplom.de
  • Binding: Paperback
  • Language: German
  • Returnable: N
  • Spine Width: 8 mm
  • Weight: 240 gr
  • ISBN-10: 3838649672
  • Publisher Date: 28 Jan 2002
  • Height: 210 mm
  • No of Pages: 140
  • Series Title: German
  • Sub Title: Eine Betrachtung der zukünftigen finanzwirtschaftlichen Situation mittelständischer Unternehmen unter der besonderen Berücksichtigung der Auswirkung
  • Width: 148 mm


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